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Osobní finance

Private individuals - IV. Card services

Please note that to print the List of Tariffs and Fees you must use its pdf version. This version is not optimized for printing, therefore it might result in an incomplete document depending on your specific browser and printer setup.

1.  Česká Spořitelna Cool Card

Note: This is a historical version of the List of Tariffs and Fees of ?eská spo?itelna valid from 01.09.2010 to 19.10.2010. Currently valid versions of the List are available at another part of our web.

1.1. 

   
Česká spořitelna Cool Card issue/change of credit limit   free of charge
Change from Kredit+ credit card to Česká spořitelna Cool Card   free of charge
Change from Kredit+ credit card to Česká spořitelna Cool Card  up to 12 months (inclusive) from the beginning of the first issued card    300
Česká spořitelna Cool Card cancellation - over 12 months free of charge

1.2.  Česká spořitelna Cool Card fee

   
Lowest price guarantee   free of charge
Purchase protection in the event of damage or theft   free of charge
Round-the-clock account access via direct banking (upon request)   free of charge
Issue of monthly account statements   free of charge

1.3.  International embossed MasterCard Issue/Use – Annual Fee

   
Basic card   199
Gallery card – selection from the image gallery   349
Own card – own image on card   349
Gold card – card with prestigious appearance   899
Gold card – card with prestigious appearance

1.4.  Card account administration and maintenance – monthly fee

  Standard price  Price for students 
Band I: 0 up to 1 service   19
Band II: 2 up to 3 services 49 30 
Band III: 4 up to 5 services   69 50 
Band IV: 6 up to 7 services   89 70 
In case the number of agreed services changes, a fee according to the applicable band valid as of the last day of the accounting cycle in which the change has been made is charged. Fees for students: Band I free of charge, other bands: CZK 19 discount


Optional services:

  • Sphere discount program: Instant discount from 5 to 30% when paying with the Česká spořitelna Cool Card at retailers participating in the Sphere discount programme in the Czech and Slovak Republic.
  • Extended goods guarantee: Extended legal guarantee on goods purchased with the Česká spořitelna Cool Card by 1 year in addition to the guarantee period provided by the seller.   
  • Česká spořitelna Cool Card bonus remitted to the Pension Fund of Česká spořitelna: The bonus for paying with the Česká spořitelna Cool Card bonus may be remitted to selected supplementary pension insurance account maintained by the Pension Fund of Česká spořitelna: a CZK 10 bonus for every CZK 1,000 paid with the Cool Card.
  • Bonus program: Points for paying with the Česká spořitelna Cool Card bonus and their exchange for special rewards: 1 point for every CZK 15 paid with the Cool Card.
  • Used card for free : If the total volume of payment card transactions for the year (which must be cleared before the last day of the accounting cycle preceding the date on which the annual fee for card issue/use is charged) reaches CZK 36,000 (Basic Cards) or CZK 60,000 (cards with design chosen from our gallery or cards with individual design) or CZK 150,000 (Gold Cards), such card´s maintenence/use in that year is for free.
  • Balance SMS: Information on the card account balance in the form of text messages sent to a mobile phone.
  • Repayment holidays: The option of postponing repayments by up to 2 months in each calendar year.

1.5.  Additionally Purchased Services - the fees are charged separately

   
Repayment of whole amount – automatic setting of 100% collection of the total drawn amount – monthly fee   29
Insurance   see Optional insurance to international cards

1.6.  Special Drawing Methods

   
Card loan – withdrawal of funds in cash or non-cash transfer   290
Transfer of card to Česká spořitelna – repayment of liabilities arising from withdrawals from a credit card of another issuer by the Česká spořitelna Cool Card   2.97% from the refinanced amount

2.  Other card types

2.1.  International debit cards

  VISA ELECTRON, MAESTRO   MasterCard STANDARD PARTNER,
VISA CLASSIC PARTNER  
VISA GOLD PARTNER,
MasterCard GOLD PARTNER  
VISA GOLD debit card 
Card issue/use – annual fee 200 400 *) Issued only to Personal Account (Osobní účet České spořitelny) 3,700
Fees for cards issued to Personal Account (Osobní účet České spořitelny) are charged as part of the Personal Account’s monthly fee.

*) STANDARD PARTNER MasterCard issued automatically as a replacement of Maestro UK Student+ card as part of the Student+ Programme - free of charge through card validity (max. 3 years).

2.2.  Kredit+ international credit cards (embossed)

  Kredit+ VISA GOLD - basic,
Kredit+ MasterCard GOLD - basic 
Kredit+ VISA GOLD - supplementary card,
Kredit+ MasterCard GOLD - supplementary card 
Card issue/use – annual fee   2,700 1,700

2.3.  International prepaid (electronic) cards – annual fee

  MAESTRO TRANSFEROVÁ - basic,
MAESTRO TRANSFEROVÁ - supplementary card  
Card issue/use – annual fee   230

2.4.  Cards with suspended issuance or card use

Debit cards  JUNIOR X account (ATM card)  VISA ELECTRON Student+,
MAESTRO UK Student+  
MasterCard PARTNER UK 
Annual fee  free with X konto *) free with Student+ Program 400
*) valid for Xtra Accounts opened by or before 30 September 2006
Credit and charge cards  Kredit+ VISA ELECTRON - basic and supplementary card Kredit+ VISA CLASSIC PARTNER - basic,
Kredit+ MasterCard PARTNER - basic,
Kredit+ MasterCard PARTNER UK - basic
 Kredit+ Master Card GOLD UK - basic Kredit+ VISA CLASSIC PARTNER - supplementary cared, 
Kredit+ MasterCard PARTNER - supplementary card, Kredit+ MasterCard PARTNER UK - supplementary card
 Kredit+ MasterCard GOLD UK - supplementary card  VISA GOLD charge (embossed)  
Annual fee.   120 300 2,700 190 1,700 4,700

3.  Optional insurance to international cards

3.1.  Travel insurance – annually*)

   
Comfort – cardholder insurance   300
Comfort Family – additional insurance of family members   450
Gold Family – additional insurance of family members to Gold cards (+1 adult and 3 children) 1,500
Not arranged with the Česká spořitelna Cool Card. From April 1 st 2008 new insurance is not attached to cards issued under “Osobní účet České spořitelny”.From April 20th 2009, no new insurance Comfort and Comfort Family attached to Kredit+ credit cards. “Gold” cards may newly contain only Gold Family insurance

3.2.  Card and personal belongings insurance – annually*)

   
P10 (insurance cover up to CZK 10,000)   170
P30 (insurance cover up to CZK 30,000)   320
P60 (insurance cover up to CZK 60,000)   480

3.3.  Insurance of ability to repay with the Česká spořitelna Cool Card and Kredit+ card – monthly fee

   
Types of insurance A – incapacity for work, disability, death   0.49% from the outstanding amount at the end of the accounting cycle
Types of insurance B – incapacity for work, disability, death, job loss   0.89% from the outstanding amount at the end of the accounting cycle
*) apart from insurance arranged to an already issued valid card, where the first payment of the
insurance premium is charged at the time when the insurance is effected, and subsequent payments along with the annual card fee

4.  Other card-related services

4.1.  Services available at ATMs

  ATM of Česká spořitelna  ATM of other bank 
Account balance query at ATMs free of charge 20
Card transaction limit inquiry at ATMs free of charge
PIN change at ATMs of Česká spořitelna, a.s.   50

4.2.  Card account statement

  Via SERVIS 24 Internetbanking   By mail  At the branch to be collected in person 
Regular statement  free of charge free of charge + postage 45
Extraordinary statement upon the client's request  30 + postage

4.3.  Change of transaction limits

   
Card locking/unlocking   30
Changing card transaction limits   30

4.4.  Sending of card/express debit card issue

   
Sending of international payment cards by mail to the client's address in the CR   free of charge
Sending of international payment cards abroad by means ofmessenger services   3,000 in addition to the card fee
Express debit card issue, including delivery to the cardholder's address on the territory of the CR   3,000 in addition to the card fee

4.5.  Card Blocking

   
Blocking execution upon client´s request   free of charge
Blocking recall   free of charge

4.6.  Sending of demand for payment in the event of default in the payment of the prescribed amount to the Česká spořitelna Cool Card/credit/charge card

   
Failure to meet the maturity of the Česká spořitelna Cool Card and credit card Kredit+   250
1st reminder notice, 2nd reminder notice, 3rd reminder notice  300 + postage

4.7.  Emergency services (for embossed cards)

   
Issue of duplicate card with limited validity abroad (Emergency Card)   3,000
Payment of emergency cash advance abroad (Emergency Cash Advance)   3,000

4.8.  Other Items

   
Your own special card – placing image (design) on debit payment card 190
Resending of PIN by registered letter with personal delivery – for all card types    100
Resending of PIN by registered letter with personal delivery – for all card types  
  • electronic
  • embossed
  • when agreeing a Sphere Card Bonus Program to the Cool Card of Česká spořitelna
  • when terminating the Sphere Card Bonus Program or changing card image (design) to the Cool Card of Česká spořitelna
     
200
Agreement of a loan for the maturity of a Kredit­+ and charge card     free of charge
Card account administration and maintenance for Kredit+ and charge cards     free of charge

Prices are quoted in CZK

Apart from the fees for services specified in the List of Charges, also the actual other expenses (e.g. expenses of other banks and institutions) are charged. The fees are paid in cash during the provision of services or debited to the applicable account, however, such fees shall be settled not later than upon account closing and/or at the end of the year. Upon request, Česká spořitelna shall issue a receipt for fees paid in cash.

Additional fees charged for services provided by Česká spořitelna, a.s. are detailed in other parts of the List of Charges.

In exceptional cases, the bank may provide a discount from the specified fee.

This List of Charges shall become valid as of 1 September 2010 and any amendments hereto shall be published at the branches of Česká spořitelna, a.s.

Done in Prague on 24 August 2010

Ing. Jiří Škorvaga CSc., in his own hand
Member of the Board of Directors
and Deputy General Director
Martin Techman, in his own hand
Director of the Business Development Division

Note: This is a historical version of the List of Tariffs and Fees of ?eská spo?itelna valid from 01.09.2010 to 19.10.2010. Currently valid versions of the List are available at another part of our web.

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